800w Dilema

[JAmerican]

I am on my third Treo 800w. I got this refurb unit sometime in May and it has already broken on me. At first, the device was showing signs of it not charging. Upon moving the connector at the phone to make sure the contacts are touching, the port broke. I tried to contact Sprint in NYC about the faulty replacement and they told me to contact the Insurance company to file a claim.

I am planning on going to the original Sprint store I got the replacement from to discuss this faulty replacement with them. I need help though because I truly feel I should not have to pay for a faulty replacement but do not know how to approach Sprint without being told to contact insurance.

I plan on saying:

This is my third replacement for this phone. This phone had issues charging and upon moving the charger into the charge port, the port broke.

If they tell me to contact insurance:

I don't feel I must pay insurance for a replacement of this device because the port was giving me issues before the port broke. The port broke under normal wear and tear. The refurbished unit could not handle such usage and has broken as a result.

Please help me. I am tired of these faulty replacements. I also feel like paying insurance will only lead me into another faulty unit.